WEBVTT - BA Q&A: Tell Your Money What To Do

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<v Speaker 1>It's time forward the b a qa A to b

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<v Speaker 1>a q A what you say?

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<v Speaker 2>The b a q eight with mandate the b a

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<v Speaker 2>q what'da the b a qa A.

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<v Speaker 3>Hello, beloved b a q A listeners, Let's get it

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<v Speaker 3>back in this suit.

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<v Speaker 2>I forgot that we're bringing back in this suit.

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<v Speaker 3>I was also blown away by how many questions we

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<v Speaker 3>had when we came back from the holiday. I was like,

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<v Speaker 3>y'all were busy getting your lives and order.

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<v Speaker 1>And asked us today we have to ask the track

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<v Speaker 1>the questions. Now you guys want to know.

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<v Speaker 3>Oh good, we got some juicy money questions. If you

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<v Speaker 3>guys want to submit a question to the show, you

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<v Speaker 3>know how to do it. Go to IG and slide

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<v Speaker 3>into our d MS. If you'd like a chance to

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<v Speaker 3>be seen in the studio in person and get your

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<v Speaker 3>answers question live or wait answers answer, Wait questions answered

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<v Speaker 3>live Wow baby Brain. Then submit a voice note through IG.

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<v Speaker 3>You get sixty seconds to make your pitch for your question,

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<v Speaker 3>and producer Emani may reach out to you and invite

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<v Speaker 3>you on the show. Otherwise, you can go Old Fashion

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<v Speaker 3>and email us from Brand Ambition Podcast at gmail dot

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<v Speaker 3>com dot.

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<v Speaker 1>Com we're going to do some Mulah questions this week.

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<v Speaker 3>Money Honey, you're.

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<v Speaker 2>Gonna jump right in with Ronia as No, Well, ron

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<v Speaker 2>I saw ron La girl.

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<v Speaker 3>You had it three different letters to.

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<v Speaker 1>Where I could read ron La says and enjoin your

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<v Speaker 1>content as per usual.

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<v Speaker 2>Quick question, what hurts your credit score more?

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<v Speaker 1>Lack of credit mix or low available credit that affects

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<v Speaker 1>the debt to income ratio and porquet.

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<v Speaker 2>Why keep up the great work, ron La.

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<v Speaker 1>Great question, Well, ron La, there are five composers to

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<v Speaker 1>your credit score, right, and so these are two of

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<v Speaker 1>the opponents and they're literally on the opposite ends. So

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<v Speaker 1>credit mix is ten percent of your score. So credit

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<v Speaker 1>mix just means do you have a mix of ways

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<v Speaker 1>that you're borrowing and paying back money. So one of

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<v Speaker 1>the ways is revolving debt. That's basically credit card debt.

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<v Speaker 1>You know you paid off, you could use it again,

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<v Speaker 1>paid off, use it again. There's also it's a loan,

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<v Speaker 1>but I forget the way like the no, what how

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<v Speaker 1>do you installment? Yeah? Installment loans, So that's just like

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<v Speaker 1>you know, I have a student loan that or I've

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<v Speaker 1>got a car note and then I paid every month

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<v Speaker 1>until it paid off, right, So they like to see

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<v Speaker 1>a credit mix. And here's the reason why. Let's just

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<v Speaker 1>say you say, like Mandy says, no, let's do me

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<v Speaker 1>because I'm not a good cook. Let's just say I'm like, well,

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<v Speaker 1>I'm a good cook. And I'm like, you're like and man,

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<v Speaker 1>it said once you make girl, I was like spaghetti,

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<v Speaker 1>you know, and what else? Girl? You know some other

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<v Speaker 1>pasts of this, and it's like, girl, you made a

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<v Speaker 1>good cook. You're good at noodles, right, because it doesn't

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<v Speaker 1>show that I have a wide range of experience and

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<v Speaker 1>doing a wide range of dishes, so I'm not really

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<v Speaker 1>a good cook. The same thing for your credit if

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<v Speaker 1>you only have you're like, oh, I have five different

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<v Speaker 1>credit cards. It's like, okay, great, you're good at revolving debt,

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<v Speaker 1>not necessarily other types of way to borrow and pay back. Okay,

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<v Speaker 1>but that's only ten percent. You don't have to do

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<v Speaker 1>anything there except for live a little longer, right, as

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<v Speaker 1>somebody's grandma will say, you just got a live child,

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<v Speaker 1>because as you get older you will incorporate naturally.

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<v Speaker 2>Different types of debts.

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<v Speaker 1>That's ten percent, now thirty percent is your basically amounts

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<v Speaker 1>old you know, meaning how much. When you said how

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<v Speaker 1>much credit do you have available, that's basically amount's old

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<v Speaker 1>meaning what you could borrow from what you have borrowed.

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<v Speaker 1>That's huge, And that's usually the thing that's taking people's

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<v Speaker 1>score because thirty five percent is like payment history, meaning

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<v Speaker 1>like do you pay off every month? Do you pay

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<v Speaker 1>off in full? That's great, but you know, people don't

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<v Speaker 1>realize that even if you're making your monthly payments on time,

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<v Speaker 1>if you keep high balances in relation to your life limits,

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<v Speaker 1>then you're taking your score. Ideally, if you want to

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<v Speaker 1>raise your score, you want to be under fifteen ten percent,

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<v Speaker 1>meaning if you have one hundred dollars limit on your card,

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<v Speaker 1>no more than five ten dollars fifteen ten dollars on

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<v Speaker 1>your on your card. You know, if you want to

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<v Speaker 1>maintain your score, you could say at about the thirty percent

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<v Speaker 1>mark and you'll be fine.

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<v Speaker 2>And so the reason.

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<v Speaker 1>Why it's it's more that I suspect credit bureaus take

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<v Speaker 1>it's more important. It's because you know, if you owe

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<v Speaker 1>too much, then you're then you you are more likely

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<v Speaker 1>to default and not pay people back, versus if you

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<v Speaker 1>have a variety of people that you owe, you know

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<v Speaker 1>the credit mix, and so like owing too much in

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<v Speaker 1>relationship to what you could borrow put you in a

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<v Speaker 1>really dangerous space that if you lose your job, if

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<v Speaker 1>you have some sort of crisis that comes up, that

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<v Speaker 1>you're likely to not be able to pay anybody back.

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<v Speaker 1>So ram Law, hope that's help anything many that I

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<v Speaker 1>miss that I missed from now.

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<v Speaker 3>Yeah, it was really hard to keep my credit utilization

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<v Speaker 3>low early when I was remember when I was younger,

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<v Speaker 3>because my limits were so low and I didn't really

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<v Speaker 3>know how to use cards yet. But that gets easier

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<v Speaker 3>the higher your limits are. And also I will say,

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<v Speaker 3>if you have a lot of revolving credit card debt

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<v Speaker 3>and it's tanking your score because it's like high in

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<v Speaker 3>relation to your available limit, then maybe it's you could

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<v Speaker 3>look into a personal loan because a debt consolidation loan,

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<v Speaker 3>because a debt consolidation loan is not revolving. That's an

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<v Speaker 3>installment loan. It's a fixed like you have fixed payments.

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<v Speaker 3>You're going to pay it off a certain you know,

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<v Speaker 3>after a certain period of time. So it helps you

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<v Speaker 3>in two ways, Like it will immediately lower your the

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<v Speaker 3>balance that you're revolving on credit cards, and then it

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<v Speaker 3>also gives you that mix of different kinds of credit.

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<v Speaker 3>But that's of course, like you have to look at

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<v Speaker 3>your own situation and you know, to like compare credit

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<v Speaker 3>card APR rates, like how expensive is your credit debt

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<v Speaker 3>versus you know, a debt consolidation loan and what rate

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<v Speaker 3>you can get and then actually pay that loan off

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<v Speaker 3>because like some people get debt consolidation loans. You paid

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<v Speaker 3>on your credit cards and you're like.

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<v Speaker 2>Oh, I'm debt free, but no, you're.

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<v Speaker 3>Not dead free. Yeah, good, good, good, solid question.

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<v Speaker 2>Yes, keep them questions coming. What do we have next, Mandy?

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<v Speaker 3>Oh, well, should we take a quick break and come

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<v Speaker 3>back with question number two?

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<v Speaker 2>Good?

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<v Speaker 3>It's a doozy all right, BRB y'all. All right, we

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<v Speaker 3>are back with number two, A question from listener Ell,

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<v Speaker 3>who sent us an email. Okay, Elle says, hey, Madian

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<v Speaker 3>in Tiffany. I am a home owning single, forty something

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<v Speaker 3>with no kids. I have a decent job with a

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<v Speaker 3>good income of about ninety thousand dollars a year. Prior

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<v Speaker 3>to this year, I was a public school teacher and

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<v Speaker 3>I just started and I decided. I decided when I

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<v Speaker 3>started the new job to keep living as if my

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<v Speaker 3>salary hadn't changed much.

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<v Speaker 1>Oh.

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<v Speaker 3>I love that I have money automatically deposited into specific

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<v Speaker 3>savings accounts, but my emergency account took a hit when

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<v Speaker 3>I had to replace my AC unit earlier this year,

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<v Speaker 3>so unfortunately, all my accounts are in a building stage.

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<v Speaker 3>As I mentioned, I own a home and idal i'd

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<v Speaker 3>like to own a couple of homes, but I think

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<v Speaker 3>it'll take me so long to build enough income to

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<v Speaker 3>afford another one that I don't want to wait. My

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<v Speaker 3>alternative is to sell the house I currently own and

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<v Speaker 3>rent a place wherever I want, no longer tied to

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<v Speaker 3>any one specific location. But I'm afraid that letting go

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<v Speaker 3>of this house will be a big mistake, and that

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<v Speaker 3>renting will open me up to a vulnerability that I

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<v Speaker 3>haven't experienced. How do I know if selling my home

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<v Speaker 3>is right for me? Thank you all.

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<v Speaker 2>That's interesting?

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<v Speaker 3>Okay, So she's like wanting to potentially sell her home

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<v Speaker 3>move into a rental so that she has income to

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<v Speaker 3>buy another couple of homes.

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<v Speaker 2>Yes, and so like.

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<v Speaker 1>I'm just listening to reading her ps about like her,

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<v Speaker 1>I guess her house has flooded since then and she

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<v Speaker 1>was inspired to send this letter after listening to me

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<v Speaker 1>purchasing a condo and wanted to be a rich auntie.

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<v Speaker 1>She's like, I want that too, because it just add

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<v Speaker 1>some more context. So well, let me take a step back,

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<v Speaker 1>back back, So what are you thinking, Mandie, Like, would

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<v Speaker 1>you take a step back, like, I mean.

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<v Speaker 3>I feel like renting. I'm trying to follow her thought process.

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<v Speaker 3>I guess what she's thinking is if I rent a place,

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<v Speaker 3>it'll be cheaper than maybe the cost of a home,

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<v Speaker 3>and I can save more for a new property. And

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<v Speaker 3>maybe there's so much equity in her home that she has.

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<v Speaker 3>I'm wondering does she need to sell it or could

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<v Speaker 3>she use like a home equity loan?

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<v Speaker 1>Girl?

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<v Speaker 3>Okay, good, go good, because I'm like, I'm trying to

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<v Speaker 3>like pieces together. Yeah, if you if you want to

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<v Speaker 3>leverage the equity in your home to then purchase a

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<v Speaker 3>second property. You know a lot of ways that people

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<v Speaker 3>do that is you can take out a home equity

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<v Speaker 3>loan and then use that that loan as a down payment,

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<v Speaker 3>you know, on your next property. I mean, and I'm

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<v Speaker 3>assuming you'd want to like rent out that other property,

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<v Speaker 3>which can be a great source of additional income. So

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<v Speaker 3>I'm like, I don't know, I'm more opposed to like

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<v Speaker 3>selling the not a pose, but like I'm a little

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<v Speaker 3>like take a pause about selling in the house and

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<v Speaker 3>maybe see if you can, yeah, leverage that loan a

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<v Speaker 3>home equity loan to to have to have the funds

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<v Speaker 3>to buy another property.

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<v Speaker 1>Because if you ll which itself, like you did purchase

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<v Speaker 1>your home before twenty and nineteen, you likely have a

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<v Speaker 1>lot of equity because remember the houses the prices with

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<v Speaker 1>the native run them up, grow and you in Florida,

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<v Speaker 1>I know they ran your prices up, meaning that you

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<v Speaker 1>have a lot more like almost unnatural equity. Even though

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<v Speaker 1>home prices have come down, it's only like the new ones,

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<v Speaker 1>you know, like not like the houses that were brought

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<v Speaker 1>prior to twenty nineteen. They got their normal boost plus

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<v Speaker 1>a supercharge boost, you know. So I just say all

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<v Speaker 1>that to say that, like, you probably have equity in

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<v Speaker 1>this home. And ultimately, when we're making decisions and I'm

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<v Speaker 1>in this space now thinking to myself, like do I

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<v Speaker 1>want to get this kindo?

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<v Speaker 2>What do I want to do?

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<v Speaker 1>YadA YadA YadA, that you have to ask yourself. Money

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<v Speaker 1>is supposed to do what's best for you. You are

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<v Speaker 1>not supposed to do what's best for money. I'm talking

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<v Speaker 1>to me and you L, because I almost missed out.

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<v Speaker 1>I'm purchasing this epic kind.

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<v Speaker 2>And we'll see.

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<v Speaker 1>It's still on the you know, still negotiating because I

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<v Speaker 1>wanted to get a super deal and I underbid, and

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<v Speaker 1>so because in my mind, I was putting money before

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<v Speaker 1>what Tiffany wanted, which is not always a bad thing

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<v Speaker 1>if you need to be in a financial space, you know.

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<v Speaker 1>But I'm okay, and it's like, Tiffany, what is it

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<v Speaker 1>that you want for Tiffany? And I want this place,

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<v Speaker 1>so then I have to spend more money. And so

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<v Speaker 1>I'm just telling you L. I want you to get

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<v Speaker 1>clear on what does L want in general. And so

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<v Speaker 1>because you can potentially get that, and to Mandy's point,

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<v Speaker 1>you might say, you know what, because I know you

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<v Speaker 1>have flooding or whatever, you might fix the house, let

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<v Speaker 1>someone else pay the mortgage and rent it out.

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<v Speaker 2>If you want to go rent someplace else by yourself,

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<v Speaker 2>you can still do that.

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<v Speaker 1>You could own your home, allow it to continue to

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<v Speaker 1>you know, let the streets pay world, hey, you know,

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<v Speaker 1>and then you can live wherever you want and your

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<v Speaker 1>Airbnb you can live that fancy life while because the

0:11:07.360 --> 0:11:09.880
<v Speaker 1>truth of the matter is home ownership is still a

0:11:09.920 --> 0:11:13.080
<v Speaker 1>cornerstone for wealth in the US of A. You know,

0:11:13.440 --> 0:11:15.960
<v Speaker 1>like because I'll give you example. I my husband and

0:11:15.960 --> 0:11:17.760
<v Speaker 1>I am and you know Drella and I. We had

0:11:17.800 --> 0:11:20.600
<v Speaker 1>purchased this property from the city for ten thousand dollars. Okay,

0:11:20.640 --> 0:11:22.560
<v Speaker 1>it was a tear down basically, but we put one

0:11:22.600 --> 0:11:25.120
<v Speaker 1>hundred and thirty thousand dollars into that house. We've just

0:11:25.200 --> 0:11:27.640
<v Speaker 1>now that was about the house less than five years ago.

0:11:27.800 --> 0:11:30.520
<v Speaker 1>Just sold it to his twin brother for basically three

0:11:30.600 --> 0:11:33.120
<v Speaker 1>hundred thousand, like two ninety five, three hundred thousand, So

0:11:33.160 --> 0:11:36.120
<v Speaker 1>you think yourself, basically put one forty into it, got

0:11:36.160 --> 0:11:39.880
<v Speaker 1>back we doubled. That's what real estate can potentially, not

0:11:39.960 --> 0:11:44.199
<v Speaker 1>every market can potentially, do you know. Or what I

0:11:44.240 --> 0:11:45.960
<v Speaker 1>could have done is I could have just rented it

0:11:46.000 --> 0:11:47.880
<v Speaker 1>out and pulled money out to do whatever I wanted

0:11:47.880 --> 0:11:48.160
<v Speaker 1>to do.

0:11:48.559 --> 0:11:49.079
<v Speaker 2>So I'm just.

0:11:49.040 --> 0:11:51.400
<v Speaker 1>Saying that when you have real estate, you have the

0:11:51.440 --> 0:11:55.480
<v Speaker 1>opportunity for that level of flexibility. So before you're like

0:11:55.559 --> 0:11:57.120
<v Speaker 1>throw this house out the window, I'm going to sell it,

0:11:57.520 --> 0:12:00.720
<v Speaker 1>really consider maybe I should just rent it out and see.

0:12:00.480 --> 0:12:02.760
<v Speaker 2>What like this rent life outside of this looks.

0:12:02.559 --> 0:12:06.719
<v Speaker 3>Like Yeah, and I'm wondering too if, like I get

0:12:06.720 --> 0:12:09.200
<v Speaker 3>the sense because she's so she was inspired by your story,

0:12:09.240 --> 0:12:12.560
<v Speaker 3>but the rich auntie life and she's forty. No kids

0:12:12.640 --> 0:12:15.720
<v Speaker 3>like girl live in the dream, not the dream, but

0:12:15.800 --> 0:12:18.480
<v Speaker 3>like a different dream. Don't you wish you kind of

0:12:18.480 --> 0:12:19.439
<v Speaker 3>had it both ways? Anyway?

0:12:19.720 --> 0:12:19.960
<v Speaker 1>Yeah?

0:12:20.320 --> 0:12:23.120
<v Speaker 3>And and like you got this new job, I really

0:12:23.160 --> 0:12:25.800
<v Speaker 3>want to know. I'm so fascinated by the public school

0:12:25.800 --> 0:12:28.000
<v Speaker 3>teacher like journey, and I want to know what your

0:12:28.040 --> 0:12:29.319
<v Speaker 3>new job is and how you got it because I'm

0:12:29.320 --> 0:12:31.800
<v Speaker 3>just fascinated anyway. But I'm like, if this is what

0:12:31.960 --> 0:12:34.360
<v Speaker 3>and you sound like you know renting what you like

0:12:34.520 --> 0:12:37.640
<v Speaker 3>is you're not no longer tied tied to just one place.

0:12:38.080 --> 0:12:40.160
<v Speaker 3>If you want some freedom, there's nothing stopping you from

0:12:40.160 --> 0:12:42.320
<v Speaker 3>renting for a while figuring out if you want to

0:12:42.320 --> 0:12:44.000
<v Speaker 3>buy a property somewhere else, if you want to live

0:12:44.000 --> 0:12:47.560
<v Speaker 3>in that property and just have some freedom. You mentioned

0:12:47.559 --> 0:12:49.960
<v Speaker 3>like the vulnerabilities that renting could open you up to,

0:12:50.200 --> 0:12:54.480
<v Speaker 3>and I don't know what vulnerabilities. They may be different

0:12:54.480 --> 0:12:57.559
<v Speaker 3>than owning a home. I don't know, Like, Tiff, what

0:12:57.640 --> 0:13:00.679
<v Speaker 3>do you think like potential of make sure if you

0:13:00.800 --> 0:13:03.319
<v Speaker 3>if you can't make your rent payments, but then you have.

0:13:03.280 --> 0:13:05.400
<v Speaker 1>A house, say like you know, with renting, I mean

0:13:05.800 --> 0:13:08.959
<v Speaker 1>to me, there's financial vulnerability because you don't really grow anything, right,

0:13:09.120 --> 0:13:11.319
<v Speaker 1>and it's not necessarily depending on because I mean, for me,

0:13:11.400 --> 0:13:13.840
<v Speaker 1>I can almost hear hear my head, ah home owner said,

0:13:13.840 --> 0:13:15.640
<v Speaker 1>it doesn't always according to what I know, re meet

0:13:15.760 --> 0:13:18.160
<v Speaker 1>we knew Like for example, in New York that makes

0:13:18.200 --> 0:13:21.920
<v Speaker 1>sense because the amount that you're going to spend or pay,

0:13:22.520 --> 0:13:25.000
<v Speaker 1>you know, because you know, owning in New York, it

0:13:25.000 --> 0:13:27.920
<v Speaker 1>actually probably makes more sense in New York City to rent,

0:13:28.040 --> 0:13:30.560
<v Speaker 1>you know, in a long financial run. But you know,

0:13:30.679 --> 0:13:33.439
<v Speaker 1>for many parts of the country that's not necessarily true.

0:13:33.600 --> 0:13:35.400
<v Speaker 1>So I just think that like I want you to

0:13:35.440 --> 0:13:37.760
<v Speaker 1>have both. I want you to have like if you notice,

0:13:38.080 --> 0:13:40.600
<v Speaker 1>even though I'm leaning into my rich auntie life, I'm.

0:13:40.480 --> 0:13:41.360
<v Speaker 2>Still the budgetista.

0:13:41.559 --> 0:13:44.520
<v Speaker 1>At the end of the day, right sold that house

0:13:44.600 --> 0:13:47.360
<v Speaker 1>double my money, you know, and was like, but I'm

0:13:47.400 --> 0:13:50.120
<v Speaker 1>still keeping the house I live in right now because

0:13:50.559 --> 0:13:52.679
<v Speaker 1>I put this house I bought for one eighty, put

0:13:52.720 --> 0:13:55.040
<v Speaker 1>one eighty into it, was that three sixty. The house

0:13:55.120 --> 0:13:57.480
<v Speaker 1>is now worth well over four fifty, but I'm not

0:13:57.520 --> 0:13:58.040
<v Speaker 1>selling it.

0:13:58.240 --> 0:14:00.320
<v Speaker 2>I'm keeping it because it's going to continue to raise.

0:14:00.679 --> 0:14:02.439
<v Speaker 1>You know, my sister and her kids will live in

0:14:02.480 --> 0:14:04.800
<v Speaker 1>here and now like likely live in the condo.

0:14:05.160 --> 0:14:05.680
<v Speaker 2>That condo.

0:14:05.800 --> 0:14:09.560
<v Speaker 1>You know, we're closing around the five hundred thousand, you know, Mark,

0:14:09.600 --> 0:14:11.680
<v Speaker 1>but I suspect you know, in five to ten years

0:14:11.679 --> 0:14:13.720
<v Speaker 1>that place will be worth more. Although I'm not necessarily

0:14:13.720 --> 0:14:15.640
<v Speaker 1>going to be selling it, you know, So I'm just

0:14:15.679 --> 0:14:18.719
<v Speaker 1>saying that, like, as you are pursuing the softer rich

0:14:18.760 --> 0:14:24.160
<v Speaker 1>auntie life, it has to be fueled by financial wisdom,

0:14:24.440 --> 0:14:26.040
<v Speaker 1>you know, So just keep that in mind as you're

0:14:26.120 --> 0:14:28.920
<v Speaker 1>making these decisions that we're not just here like remember

0:14:28.960 --> 0:14:30.480
<v Speaker 1>you're here to tell money what to do, but you

0:14:30.560 --> 0:14:33.080
<v Speaker 1>want to be telling your money what to do. Like, hey, money,

0:14:33.080 --> 0:14:34.600
<v Speaker 1>this is the life I want to live. Let me

0:14:34.640 --> 0:14:37.320
<v Speaker 1>be smart in these choices. So, but welcome sins.

0:14:37.320 --> 0:14:38.200
<v Speaker 2>It's cute over here.

0:14:40.400 --> 0:14:42.680
<v Speaker 3>Yeah, Well, thank you so much for sending your question

0:14:42.720 --> 0:14:46.200
<v Speaker 3>into okrap. Was her name, el Ela el Ell. That

0:14:46.320 --> 0:14:48.040
<v Speaker 3>was really great of you to send a question. Thank

0:14:48.040 --> 0:14:50.160
<v Speaker 3>you so much. I want to know my follow up

0:14:50.280 --> 0:14:52.400
<v Speaker 3>question is, like, what was your curer pivot from being

0:14:52.440 --> 0:14:54.440
<v Speaker 3>a school teacher because I love that kind of stuff,

0:14:54.800 --> 0:14:57.640
<v Speaker 3>and keep us posted all right on your journey, rich

0:14:57.680 --> 0:14:59.400
<v Speaker 3>auntie journey. I feel like we have a lot of

0:14:59.480 --> 0:15:00.920
<v Speaker 3>rich aunties listening to Brown Ambition.

0:15:01.000 --> 0:15:03.680
<v Speaker 2>What girl I is here for the rich Johns we

0:15:03.920 --> 0:15:04.760
<v Speaker 2>take the same time.

0:15:04.880 --> 0:15:06.680
<v Speaker 1>I'm new to this riche Auntie live. Well, you know,

0:15:06.880 --> 0:15:09.160
<v Speaker 1>well that's not true. I've been I made it, but

0:15:09.320 --> 0:15:11.360
<v Speaker 1>I was a married with Johnty. So now that I'm

0:15:11.400 --> 0:15:13.960
<v Speaker 1>a single with Chounty, I'm like, what y'all do out here? Like?

0:15:13.960 --> 0:15:15.800
<v Speaker 2>What else should I be up to? I'm I think

0:15:15.840 --> 0:15:18.160
<v Speaker 2>I want to take up crocheting. I know it doesn't satisfancy,

0:15:18.240 --> 0:15:19.840
<v Speaker 2>but I'm like, what happens is that.

0:15:20.200 --> 0:15:22.200
<v Speaker 3>For Michelle Obama? It's good enough for anyone?

0:15:22.200 --> 0:15:25.280
<v Speaker 2>Okay, you know I'm in my.

0:15:26.760 --> 0:15:29.280
<v Speaker 3>I'm in my we got food at home stage. That's

0:15:29.680 --> 0:15:33.280
<v Speaker 3>the stage I'm in. Just ask my husband every day

0:15:33.360 --> 0:15:37.960
<v Speaker 3>this week, I'm like, the menu will be leftovers. I

0:15:38.040 --> 0:15:40.600
<v Speaker 3>love it all right, y'all. Well, we'll see y'all next

0:15:40.680 --> 0:15:44.240
<v Speaker 3>week for more Brown Ambition. Send us your questions and

0:15:44.280 --> 0:15:48.200
<v Speaker 3>we will see y'all later. Talk to you later. Bye, Hey,

0:15:48.280 --> 0:15:50.920
<v Speaker 3>ba fam, We could not do this show without your support.

0:15:51.120 --> 0:15:53.760
<v Speaker 3>Or the support of our team behind the scenes. The

0:15:53.760 --> 0:15:57.520
<v Speaker 3>Brown Ambition Podcast is produced by Cumulus Podcast Network. It's

0:15:57.640 --> 0:16:02.120
<v Speaker 3>edited by the wonderful Emani Crosby and produced by Tanya Bustos.

0:16:02.160 --> 0:16:05.440
<v Speaker 3>Dennis Stimplinsky is our in house tech curu, and I

0:16:05.520 --> 0:16:08.440
<v Speaker 3>am Bandy Wichard Santos your co host, and I will

0:16:08.440 --> 0:16:13.360
<v Speaker 3>see y'all next week.